In 2019, Medicare won’t ever cowl your medical marijuana remedies. Provided that CBD is a type of medical marijuana, any healthcare bills you incur that depend on the usage of CBD will lead to elevated out-of-pocket bills.

Now, you is likely to be questioning, “If medical marijuana is authorized in my state, then why gained’t Medicare cowl it?” To place it merely, medical marijuana might be legal in your state but it is still illegal in your country

In fact, that doesn’t imply that there is no such thing as a hope so that you can receive the remedies that work finest for you. Let’s go over a couple of of the fundamentals that will help you entry the healthcare remedy choices that you just each want and deserve.

Federalism’s Influence on Your Healthcare

The US practices a type of authorities generally known as federalism, wherein the nationwide authorities and the state authorities work collectively in lots of features and independently in lots of others. Sadly for retirement-aged seniors, that implies that the federal prohibition of marijuana can nonetheless forestall your accessing it via federal packages resembling Medicare.

That mentioned, given the widespread cultural outrage in opposition to the nationwide prohibition of a remedy possibility that’s confirmed to be extremely efficient with comparatively few adverse unwanted effects, that would probably change in 2020. 

Even President Donald Trump has expressed help for the federal legalization of medical marijuana; nevertheless, Trump’s track record on the subject of medical marijuana hasn’t all the time proven as a lot help.

Medicare Benefit and CBD

Medicare Benefit (MA) plans are privately owned and privately operated insurance policy, which means that the federal government will not be straight accountable for the oversight of your MA plan. Sadly, via oblique intervention, the federal government has allotted funds to propping up these MA plans.

Why is {that a} dangerous factor? As a result of the Federal authorities prohibits the usage of tax {dollars} for a wide range of features associated to Schedule One narcotics (which incorporates marijuana), together with medical analysis. 

That federal prohibition of the usage of tax {dollars} in help of Schedule One medication has led, at the very least partly, to the lack to entry Medicare Benefit subsidies, the dearth of which leads to elevated out-of-pocket expenditures with a view to entry CBD remedies.

Fortuitously, 2020 will be the yr the place the tax-payer-dollar restriction is lifted. In July of 2019, a Federal Appeals Court ordered the DEA to reconsider its classification of marijuana as a Schedule One drug and 2020 may see the completion of that reconsideration.

CBD and Medicare Fraud

The aforementioned federal prohibition of medical marijuana mixed with the state legalization thereof has led to an uptick in the number of Medicare fraud cases

In states the place medical marijuana is authorized, resembling New York, seniors on Medicare have been searching for remedies that contain the usage of CBD, because the legislation permits. Nonetheless, whether or not deliberately or inadvertently, a lot of these seniors and their medical doctors then go on to illegally invoice these remedies to their insurance coverage (i.e., Medicare).

This difficulty of state legislation versus federal insurance coverage has left many medicare fraud attorneys scrambling to defend well-intentioned individuals from fines and even potential jail time over what tends to be a easy accident of unfamiliarity with the intricacies of federal legislation.

How one can Entry CBD Whereas on Medicare

In fact, CBD on Medicare will not be all the time doom and gloom. When you discover that you should have some methodology of accessing CBD remedies for any variety of the signs that you could be be experiencing, there are methods to take action whereas on Medicare. You simply can’t use your Medicare insurance coverage to cowl these strategies.

Sadly, as of the primary quarter of 2019, no medical insurance providers offer coverage for any form of medical marijuana. That implies that the one solution to straight entry CBD is thru the usage of out-of-pocket bills. Nonetheless, one widespread methodology for not directly accessing CBD remedies that Medicare will usually pay for is thru the usage of consulting charges.

Many medical doctors have begun footing the invoice for his or her sufferers’ CBD as a part of an in-house expense and, as a substitute, charging their sufferers elevated consulting charges. That implies that what is likely to be a $0 consulting payment and a $300 CBD cost, which gained’t be lined by insurance coverage, may flip right into a $300 consulting payment alone, which might be lined by Medicare.

However in case you have the power, it would generally be higher to easily pay money to keep away from inadvertent Medicare fraud prices.


All-in-all, Medicare will not be going to cowl your CBD remedies in 2019, however which will very properly change come 2019. With adjustments coming to state after state and even to the DEA, it’s solely potential that 2020 is likely to be the yr wherein–on the very least–medical marijuana is faraway from the listing of Schedule One narcotics.

In fact, that also gained’t be sufficient to have your CBD remedies lined by Medicare, however the ball is presently rolling. All that’s left now’s to name your politicians and inform them to choose up the slack!

For extra nice content material on CBD as a viable remedy possibility for seniors on Medicare, try our other great posts and comply with us on Facebook for normal updates!